Merchants are struggling to challenge Google Pay and Apple Pay chargebacks successfully – research

11 decembrie 2020

A research conducted by Ravelin has revealed that the majority of merchants are struggling to challenge Google Pay and Apple Pay chargebacks successfully, according to

Only 5% of merchants say they’ve had the most success challenging chargebacks from Google Pay and Apple Pay, compared with 48% who say they have the most success challenging credit cards – despite Google saying that its chargebacks are dealt with in the same way as credit cards. Placing these figures into context, merchants challenge on average 37% of chargebacks and are successful in 56% of these challenges.

The figures are particularly worrying as nearly a quarter of merchants say that Google and Apple Pay are a top payment method for fraudsters using stolen credit card details. 

These are the findings from Ravelin’s Online Merchant Perspectives, Fraud & Payments Survey 2020 report, which draws on the opinions and experiences of 1,000 fraud and payments professionals around the world, providing a valuable in-depth understanding into merchant fraud teams, their environment, top business threats, fraud activity trends and forecasts. 

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Mihai Draghici – CEO PayByFace

„Dupa ce oamenii creeaza un cont PayByFace si au adaugat cardul, selfi-ul si PIN-ul, si au avut un pic de curaj sa se duca sa incerce, daca au incercat o data plata prin recunoastere faciala nu mai folosesc altceva (n.r. ca modalitate de plata). 80% dintre ei numai asta folosesc. Le place la nebunie.” 

Afla aici rezultatele in adoptia platii prin recunoastere faciala.


In 23 septembrie 2019, BNR a anuntat infiintarea unui Fintech Innovation Hub pentru a sustine inovatia in domeniul serviciilor financiare si de plata. In acest sens, care credeti ca ar trebui sa fie urmatorul pas al bancii centrale?